As difficult as it can be, it's important to look at your spending habits and make a budget.

Luckily, there's an app that's here to help -- Trim. This app can automate the process of looking at what you spend, and help you set a budget.

By looking at these numbers, you can see where you spend the most and hopefully cut back. The money you save can go into a new savings account, towards your retirement or into an emergency fund.